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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $19,021 | $81,358-76.6% | $155,556-87.8% | $80,959-76.5% |
| Participation rate | 46.3% | 66.3%-20.0pp | 78.2%-31.9pp | 67.7%-21.4pp |
| Annual return | 9.51% | 33.39%-23.9pp | 64.84%-55.3pp | 35.67%-26.2pp |
| Employer contribution / active EE | $488 | $3,106-84.3% | $4,675-89.6% | $2,757-82.3% |
| Participant deferral / active EE | $863 | $3,455-75.0% | $5,631-84.7% | $4,300-79.9% |
| Admin fee / account holder | $1,402 | $7,994-82.5% | $15,885-91.2% | $6,925-79.8% |